【在 k******o 的大作中提到】 : APR in GFE does not matter that much since it just lists all of the cost. As : long as all of the closing cost is covered, it is OK.
For 15 year conventional loan, FICO must be checked, yet it has much lower requirement than 30 year fixed. Your closing cost is covered either by the rebate from the lender or the commission from the broker, depending on the direct lender or not.